Honda Pilot vs Toyota 4Runner Insurance Cost
The Honda Pilot is cheaper to insure by about $135 a year for full coverage by our estimate ($1,160 vs. $1,295), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Honda Pilot | Toyota 4Runner | Difference |
|---|---|---|---|
| State minimum | $455 | $535 | −$80 |
| Standard (100/300/100) | $660 | $775 | −$115 |
| Full coverage | $1,160 | $1,295 | −$135 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Pilot minus 4Runner.
Why one costs more to insure
| Factor | Honda Pilot | Toyota 4Runner |
|---|---|---|
| Segment | Midsize SUV | Midsize SUV |
| Powertrains | Gasoline | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 66 | 74 |
| HLDI comprehensive | 80 | 73 |
| HLDI property damage liability | 57 | 88 |
| HLDI bodily injury liability | 67 | 76 |
| NHTSA overall rating | 5★ | 4★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 8 | 4 |
Collision losses are the biggest swing factor: the Toyota 4Runner has 8 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Pilot vs 4Runner insurance by state
By driver profile (full coverage)
| Driver | Pilot | 4Runner |
|---|---|---|
| Teen driver (18, own policy) | $3,195 | $3,560 |
| Young adult (22) | $1,860 | $2,070 |
| Adult in their 30s | $1,160 | $1,295 |
| Adult in their 50s | $1,070 | $1,190 |
| Senior (72) | $1,300 | $1,450 |
| 30s, one at-fault accident | $1,685 | $1,875 |
| 30s, DUI on record | $2,150 | $2,395 |
More comparisons
Frequently asked questions
Is the Honda Pilot or the Toyota 4Runner cheaper to insure?
By our estimate the Honda Pilot is cheaper, by about $135 a year for full coverage ($1,160 vs. $1,295) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Honda Pilot and Toyota 4Runner?
Mostly because of insurance-loss history: HLDI collision indices of 66 vs. 74 and comprehensive indices of 80 vs. 73 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.